Terms & Conditions

• Content: courses, ebooks, audiobooks, podcasts, sermons, newsletters, and video content made available through the Library.
• Seller / Vendor: a Member who lists Content, products, or services for sale on the Platform.
• Learner: a Member who purchases or accesses Content.
• Storefront: a Seller's profile and listings within the Marketplace.
• Affiliate: a Member who shares a personal referral link through the Refer & Earn program.
• Commission: the referral earning paid to an Affiliate under Section 7.
• Payout: the transfer of a Seller's or Affiliate's available balance to their registered bank account.

You must be at least 18 years old, or the age of majority in your jurisdiction, to create a SAFpedia account. By registering, you represent that all information you provide — including your name, email address, phone number, and payout bank details — is accurate and kept up to date.

SAFpedia may verify your identity before enabling Selling or Affiliate payouts, and may decline or delay registration where verification cannot be completed.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at safpediaconcept@gmail.com if you suspect unauthorized access.

One individual or business may hold only one active account per role (Learner, Seller, Affiliate) unless SAFpedia agrees otherwise in writing. Accounts are non-transferable.

Purchasing a course, ebook, audiobook, podcast subscription, sermon, or newsletter gives you a personal, non-transferable, non-exclusive license to access that Content for your own learning use. You may not download, screen-record, redistribute, resell, publicly perform, or share your access credentials for licensed Content, except where a specific listing states otherwise.

Content availability, pricing, and format are set by the individual Creator or by SAFpedia and may change over time. Access to a course is generally granted for as long as SAFpedia continues to offer that course, unless the listing specifies a fixed access period.

Sellers may open a Storefront to list digital Content, physical products, or services, subject to SAFpedia's category guidelines and approval. You confirm that you own or have the right to sell everything you list, and that your listings are accurate, lawful, and not misleading.

Prohibited listings include, without limitation: counterfeit or pirated material, plagiarized courses or ebooks, items infringing a third party's intellectual property, financial or medical advice presented as guaranteed outcomes, and anything illegal under Nigerian law.

SAFpedia may remove a listing, suspend a Storefront, or withhold a Payout pending investigation where a listing appears to breach these Terms, without that action constituting a waiver of any other remedy available to SAFpedia.

Members may join the Refer & Earn program to share a personal referral link and earn Commission on qualifying course enrolments and marketplace sales made through that link, at the rates published on the Refer & Earn page. Commission rates may be changed prospectively at any time; changes do not affect Commission already earned.

You may not generate referrals through spam, misleading advertising, self-referral, incentivized or fraudulent clicks, cookie-stuffing, or by impersonating SAFpedia. SAFpedia may withhold or reverse Commission earned in violation of this section and may remove a Member from the program.

One-time purchase, free forever after. Every purchase made in or from the SAFpedia digital library is a one-time purchase. You pay once, and every later use of that Content — viewing, reading, listening, or replaying it — is free, forever. SAFpedia does not charge renewal, subscription, or repeat-access fees for Content you have already purchased.

All payments on SAFpedia are processed in Nigerian Naira (₦) through Paystack or another payment processor we designate. SAFpedia does not store your full card details; they are handled directly by our payment processor under its own security and privacy terms.

Seller and Affiliate balances are paid out to a verified bank account, generally within 24 hours of a Payout request, less any applicable platform fee disclosed at the time of listing or sign-up.

Because every library purchase is a one-time payment, refund requests for digital Content must be made within 48 hours of purchase, and are granted where less than 20% of the Content has been accessed. Physical product refunds are governed by the individual Seller's stated return policy. Refund requests are made by contacting safpediaconcept@gmail.com with your order reference.

Sellers retain ownership of the Content and products they create. By listing on SAFpedia, a Seller grants SAFpedia a non-exclusive, worldwide license to host, display, stream, and market that Content for as long as the listing remains active, solely for operating the Platform.

The SAFpedia name, logo, and platform design are the property of SAFpedia and may not be used without prior written permission.

In addition to the restrictions above, you agree not to: attempt to circumvent Platform payment processing; scrape, reverse-engineer, or interfere with the Platform's systems; harass, defraud, or mislead other Members; upload malicious code; or use the Platform for money laundering or any other unlawful purpose.

You may close your account at any time by contacting support. SAFpedia may suspend or terminate your account, with or without notice, where we reasonably believe you have breached these Terms, engaged in fraud, or put other Members or the Platform at risk. Outstanding, lawfully earned balances will still be paid out following account closure, subject to standard verification.

The Platform and all Content are provided "as is." SAFpedia does not guarantee specific learning, income, or sales outcomes from using the Platform, and is not responsible for the accuracy of third-party Seller listings or Content.

To the fullest extent permitted by law, SAFpedia's total liability arising from your use of the Platform is limited to the amount you paid to SAFpedia in the twelve months preceding the claim. SAFpedia is not liable for indirect, incidental, or consequential damages.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising from these Terms or your use of the Platform will first be addressed through good-faith negotiation between you and SAFpedia, and failing resolution, will be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

SAFpedia may update these Terms from time to time. Material changes will be announced on the Platform or by email at least 7 days before they take effect. Continuing to use SAFpedia after changes take effect means you accept the updated Terms.

Questions about these Terms can be sent to safpediaconcept@gmail.com or +234 70xxxxxxx.